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- Financial counselling Free help to sort out your money
- Urgent help with money If you’re struggling or in crisis
- Save for an emergency fund Be prepared for life’s surprises
- Managing on a low income Get the most out of your money
- Problems paying your bills Understand your options
- How to do a budget Plan and manage your money
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- Saving Start a habit and reach your goals sooner
- Grow your super See how to boost your balance
- Develop an investing plan Six steps to get ready to invest
- Financial advice For when you need the professionals
- Life insurance Financial security for you and your family
- Retirement planner Estimate your income in retirement
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- Budget planner Prioritise where your money goes
- Choosing a financial adviser Find an adviser that suits your goals
- Financial counselling Free help to sort out your money
- Superannuation calculator Estimate what your balance will be
- Unclaimed money Search lost shares, accounts and life insurance
- Mortgage calculator Work out how much your repayments will be
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- About Moneysmart for teachersSupporting teachers to connect learning to life
- Teaching consumer and financial literacyA guide to creating lesson plans about money
- Young people and moneyUnderstanding the financial lives of young Australians
- Teaching kids about money A guide for parents and guardians
- Student life and money Take charge of your financial life
- Lesson plans Curriculum-aligned lesson plans in financial literacy
Start here
Moneysmart, by the Australian Government, helps you make confident money decisions with free tools, tips and calculators.
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Kickstart your financial goals for 2025
Take charge of your finances and make this your best year yet.
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Get your super working overtime
Taking an active interest in your super today can set you up for the lifestyle you want in the future.
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Cost of living support
Discover tools and tips to help you with everyday living costs.
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Calculators
Moneysmart's calculators help you set realistic goals and gives you the confidence to take the next step.
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Budget planner
Work out where your money is going
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Savings goals calculator
Set and reach your goals
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Retirement planner
Find out your income when you retire
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Income tax calculator
How much Australian income tax should you be paying?
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Superannuation calculator
Find out your super balance at retirement
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